Credit Team Lead

Credit Team Lead - Commercial Banking

Location: Newburyport, MA or Leominster, MA (Hybrid)

Employment Type: Full-Time

Compensation: $83,850 – $121,580 annually

Work Schedule: Hybrid – 3 days onsite / 2 days remote

Our client, an established and growing financial services organization in Massachusetts, is seeking an experienced Credit Team Lead to oversee and develop a team of Commercial Credit Analysts.

This leadership position is responsible for managing credit analysis workflows, mentoring and developing team members, maintaining underwriting standards, and supporting sound credit decisions across a diverse commercial lending portfolio.

The ideal candidate will bring extensive commercial credit experience, strong analytical capabilities, and a demonstrated ability to lead teams while collaborating effectively with commercial lenders, portfolio managers, and senior credit leadership.

This position offers an opportunity to play a key role in credit operations within a collaborative, relationship-focused banking environment.

Key Responsibilities

Team Leadership & Development

• Lead, coach, and mentor a team of Commercial Credit Analysts, fostering a collaborative, accountable, and high-performing environment.
• Oversee analyst workflow, assignments, and priorities to ensure timely completion of credit requests and portfolio reviews.
• Manage onboarding, training, performance evaluations, and ongoing professional development of team members.
• Communicate and implement updates to credit policies, underwriting standards, and departmental procedures.
• Promote consistency, accuracy, and efficiency throughout the credit analysis process.

Commercial Credit Analysis & Underwriting

• Review and underwrite complex commercial credit transactions, including Commercial Real Estate (CRE), Commercial & Industrial (C&I), and multi-entity lending relationships.
• Evaluate financial statements, cash flow, collateral, repayment capacity, and overall borrower creditworthiness.
• Prepare and review comprehensive credit presentations and recommendations for lending and credit decision-makers.
• Complete annual credit reviews, new loan requests, and other portfolio monitoring activities.
• Ensure credit recommendations comply with established lending policies, risk management standards, and regulatory requirements.

Portfolio Management & Risk Oversight

• Partner with Commercial Lenders, Credit Officers, and Portfolio Managers to support loan originations, renewals, and ongoing portfolio management.
• Identify emerging credit risks, deteriorating financial trends, and potential portfolio concerns.
• Recommend appropriate risk-rating adjustments, corrective actions, and risk mitigation strategies.
• Maintain consistent credit quality and underwriting practices across lending relationships.
• Provide backup support for specialized functions, including appraisal reviews, environmental documentation, and credit reporting.

Cross-Functional Collaboration

• Serve as a resource to commercial lending teams on complex credit structures, financial analysis, and underwriting considerations.
• Communicate credit findings and recommendations clearly to both financial and non-financial stakeholders.
• Participate in borrower meetings, construction site inspections, and other lending-related activities as needed.
• Support continuous improvement initiatives designed to strengthen credit operations and overall lending effectiveness.

Qualifications & Experience

Required Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related discipline.
• 7–10 years of experience in commercial credit analysis, commercial underwriting, or related banking credit functions.
• Strong understanding of commercial lending practices, credit policies, banking regulations, and risk management principles.
• Demonstrated expertise in financial statement analysis, cash flow evaluation, loan structuring, covenants, and credit risk assessment.
• Experience underwriting complex CRE, C&I, and multi-entity commercial transactions.
• Strong financial and accounting knowledge with the ability to interpret complex financial information.
• Proficiency with Microsoft Excel, financial spreading applications, and commercial loan systems.
• Excellent written and verbal communication skills, including the ability to present complex credit concepts to diverse audiences.
• Strong organizational, analytical, and problem-solving capabilities.

Preferred Qualifications

• Master's degree in Finance, Accounting, Business, or a related field.
• Previous experience supervising, mentoring, or leading Commercial Credit Analysts.
• Experience developing or implementing credit policies, procedures, and underwriting best practices.
• Demonstrated ability to balance hands-on underwriting responsibilities with team leadership and workflow management.

Compensation & Benefits

Annual Base Salary: $83,850 – $121,580

Final compensation will be determined based on the selected candidate's qualifications, relevant experience, technical expertise, and other job-related factors.

This opportunity offers a hybrid work arrangement, a collaborative professional environment, and the ability to contribute to a well-established financial services organization.

Equal Employment Opportunity

Our client is an Equal Opportunity Employer committed to maintaining a diverse and inclusive workplace. Qualified applicants will receive consideration for employment without regard to any legally protected characteristic.

Apply Today

This opportunity is being presented confidentially by Top Gun Staffing Group, a professional recruiting and staffing firm.

Qualified candidates are encouraged to apply to learn more about this leadership opportunity in commercial banking.